I think it takes money to make money. Investing for example, takes up a lot of cash. The same thing could be said for running a business or even starting a web 3 project. However, I do agree that there will come a point in time where you have to start considering as to how to make your money work for you. It is a goal for many of us in the Web 3, Crypto, and NFT space
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If you don't have enought money to invest in projects, Just invest in yourself, Grow your knowledge and the money will come.